2026 Massachusetts Annual P&C Marketplace Summary
You are receiving this 2026 Massachusetts Annual P&C Marketplace Summary as a benefit of your membership in the Massachusetts Association of Insurance Agents. This Summary focuses on direct premiums, direct losses, and associated underwriting results before reinsurance. It includes Direct data from the approximately 3,000 U.S.-domiciled insurers, highlighting those that have written premiums in Massachusetts. Direct data…
Why Is the Lender Asking the Agent for That?
Why Is the Lender Asking the Agent for That? The Good, the Bad, and the Ugly Behind the Fannie Mae/Freddie Mac Insurance Updates Written By: Laura J. Poulin, AILP, AINS, AAM, CPIW, CRIS, MLIS, Director of Curriculum and Technical Affairs, MAIA April 27, 2026 Agents have been dealing with a frustrating problem: lenders and servicers…
2026 Massachusetts Storm Events Summary
As a benefit of your membership in the Massachusetts Association of Insurance Agents, you are receiving this 2026 Massachusetts Storm Events Summary. This exclusive membership benefit is designed to deliver to you easy access to historical state and national weather data from a credible and public resource that has been tailored to be specific to…
MAIA’s Massachusetts Legislative Session Agenda 2025-2026
2025-2026 Massachusetts Legislative Session Agenda The Massachusetts Association of Insurance Agents (MAIA) is a trade association representing nearly 900 independent property/casualty insurance agencies across the Commonwealth. Our mission is to provide an influential voice on issues that affect agents and consumers, while promoting the independent agency system as the premier distribution channel for insurance products.…
Press Release: MAIA Launches Insurance Career Pathway Program
FOR IMMEDIATE RELEASE Media Contact: Gillian Linden [email protected] / 703.402.6507 www.massagent.com Massachusetts Association of Insurance Agents Launches Insurance Career Pathway Program Workforce development initiative provides scholarship-based training, licensing preparation and placement support for property & casualty agency roles MILFORD, Mass. (February 17, 2026)—The Massachusetts Association of Insurance Agents (MAIA) today announced the launch of its…
Rental Properties and Snow & Ice
*This question was answered based upon current rules, regulations & statutes in effect on December 30, 2025 Question My client asked a question: He has two- and three-family rental properties. If the town ordinance says the landlord is responsible for removing snow, but he has tenants remove it, would his DP3 liability coverage cover him…
Compliance Update: New Attorney General Regulation Requires Notice of Agent Fees and Policies that Automatically Renew
Effective September 2, 2025, Massachusetts Attorney General Andrea Campbell issued a new regulation, 940 CMR 38.00, Unfair and Deceptive Fees. The Regulation applies to the sale and marketing of personal lines property and casualty insurance to consumers for personal, household, or family use. The Regulation adds new requirements to how agents notify clients (1) about agent fees and…
2025 Q3 Massachusetts P&C Marketplace Summary
You are receiving this 2025 Q3 Massachusetts Quarterly P&C Marketplace Summary as a benefit of your membership in the Massachusetts Association of Insurance Agents. This report provides up-to-date property and casualty (P&C) data, offering you a “real-time” view of trends in the Massachusetts insurance marketplace. Like the 2025 Massachusetts Annual P&C Marketplace Summary, this quarterly…
Kubota Skid Steer
*This question was answered based upon current rules, regulations & statutes in effect as of October 2025. Question I have a client asking if he can register the attached Kubota skid steer with a commercial plate for snow removal (parking lots). The skid steer has tracks, not tires, so I’m a little thrown off on…
Students, Off-Campus Housing, and their Parents’ Homeowners Policy
November 17, 2025 Written By: Laura J. Poulin, AILP, AINS, AAM, CPIW, CRIS, MLIS, Director of Curriculum and Technical Affairs, MAIA The recent fire in Amherst that displaced more than 200 apartment residents, many of them college students, has sparked an important question: Are students covered by their parents’ homeowner’s insurance? The answer is sometimes,…
Unlisted HHMs
*This question was answered based upon current rules, regulations & statutes in effect as of October 2025. Question We have an instance where a customer called to get a quote to add their daughter to their auto policy. They said she was moving back home and would be using their vehicles. He then said that…
Apportioned Plate
*This question was answered based upon current rules, regulations & statutes in effect as of August 2024. Question Who is a good source to ask apportion plate questions to? I have a client who is purchasing a 16,000 lb truck. When he attaches the trailer that he uses for business, the total weight is 36000…
2025 Q2 Massachusetts P&C Marketplace Summary
You are receiving this 2025 Q2 Massachusetts Quarterly P&C Marketplace Summary as a benefit of your membership in the Massachusetts Association of Insurance Agents. This report provides up-to-date property and casualty (P&C) data, offering you a “real-time” view of trends in the Massachusetts insurance marketplace. Like the 2025 Massachusetts Annual P&C Marketplace Summary, this quarterly…
When $8,000 Isn’t $8,000: The Truth About PIP and Health Insurance Coordination
October 27, 2025 Written By: Laura J. Poulin, AILP, AINS, AAM, CPIW, CRIS, MLIS, Director of Curriculum and Technical Affairs, MAIA Massachusetts’ no-fault law was supposed to simplify medical payments after an accident, but for many insureds, it’s anything but. Clients are shocked when PIP stops at $2,000, and the next bill lands with their…
Home Health Aid Using Own Vehicle
This question was answered based on current rules, regulations, and statutes in effect as of July 2025. Question Could you direct me to resources for considering a home health aide who uses their own vehicle? Answer Laura Poulin: You’re right to be cautious here; this is a gray area that requires thoughtful consideration. At a…
Trailer Personal or Commercial
*This question was answered based on current rules, regulations, and statutes in effect as of July 2025. Question I created an RTA for one of our insureds for a trailer that he purchased for personal use. When I checked the RMV portal, it showed that the trailer is registered under a commercial registration. I was…
2025 Massachusetts P&C LOB Profitability Summary
You are being provided with this 2025 Massachusetts P&C Line of Business Profitability Summary as a benefit of your membership in the Massachusetts Association of Insurance Agents. This Summary is a graphic and numeric presentation of the profitability and rankings data for the 25 Lines of Business primarily focused on by independent insurance agents and…
Sales Tax with Penalties & Interest
*This question was answered based on current rules, regulations, and statutes in effect as of July 2025. Question RMV Insured has a title for a camper. The date of the sale is October 20, 2016. The RMV said that a penalty would be applied. Would you know how much the RMV penalty is for this?…
Unlicensed Staff: Staying Compliant in Massachusetts
September 22, 2025 Written By: Laura J. Poulin, AILP, AINS, AAM, CPIW, CRIS, MLIS, Director of Curriculum and Technical Affairs, MAIA Massachusetts insurance agencies rely heavily on Customer Service Representatives (CSRs) and other support staff to keep business running smoothly. However, not every team member is licensed, which creates a risk. Misunderstanding what an unlicensed…
Vehicle Sale from Estate
*This question was answered based on current rules, regulations, and statutes in effect as of July 2025. Question I have a client who is the personal representative for her late father, and she is putting his vehicle in her own name. On the back of the title, does she sign as the seller, as well…
House Put In Trust
This question was answered based on current rules, regulations, and statutes in effect as of July 2025. Question I have a client for whom I have a homeowners’ insurance policy. I just received information from an attorney’s office that the house was put in a trust. But at the same time, they sent me the…
MassDEP LEV Requirements
*This question was answered based on current rules, regulations, and statutes in effect as of July 2025. Question We’ve had a client reach out regarding the MassDEP LEV requirements that went into effect on January 1, 2025, as they own many diesel-powered vehicles. I’ve done some research, and it appears that only certain diesel-powered model…
Food Delivery Apps and the Public or Livery Exclusion – Why DoorDash Isn’t Just “Incidental Delivery”
August 25, 2025 Written By: Laura J. Poulin, AILP, AINS, AAM, CPIW, CRIS, MLIS, Director of Curriculum and Technical Affairs, MAIA In my last Tech Talk, Delivery Use and Incidental Confusion, we explored how MAP eligibility and policy language often create traps when agents assume “incidental delivery” is covered. That article highlighted the very narrow…
Surcharge Reversal and Deductible
*This question was answered based on current rules, regulations, and statutes in effect as of July 2025. Question Not sure if you can help, but I figured I would reach out. My client had an accident. She was in the left lane with a left turn arrow, making a left turn. The vehicle coming in…
2025 MAIA Annual Meeting Announcement
NOTICE TO THE MEMBERS OF THE MASSACHUSETTS ASSOCIATION OF INSURANCE AGENTS OF THE 2025 ANNUAL MEETING. In accordance with Article XI, Section 1, of the bylaws, notice is hereby given to the members of the Massachusetts Association of Insurance Agents, Inc., that the Annual Meeting of the Association will be held on Friday, September 19th…
Auto Coverage for Child who Moved Out on Mom & Dad’s Policy
This question was answered based on current rules, regulations, and statutes in effect as of July 2025. Question I hope you’re doing well. I wanted to reach out with a question regarding a recurring situation I’ve encountered in the Private Client department. Many parents are eager to ensure their children’s well-being, often extending their care…
Middlesex Community College – Learn & Earn Program!
Middlesex County Agents – Looking to Grow Your Team? Partnering with Middlesex Community College through their Learn & Earn program might be just what you need! This innovative program connects local businesses with driven, pre-screened students who are eager to gain real-world experience—and they’ve just expanded it to include all business students! That means your…
Surviving Spouse Fees
*This question was answered based on current rules, regulations, and statutes in effect as of July 2025. Question Does it cost anything, as far as fees for a deceased spouse registration and title transfer? She’s keeping the same plates, the car currently titled to the deceased husband only. Putting it into the surviving spouse’s name.…
Delivery Use and Incidental Confusion: Why Eligibility Doesn’t Guarantee Coverage Under the MAP
July 28, 2025 Written By: Laura J. Poulin, AILP, AINS, AAM, CPIW, CRIS, MLIS, Director of Curriculum and Technical Affairs, MAIA Many Massachusetts agents are aware that individually owned vans and pickups used for delivery may not qualify for personal auto policies. But few realize that “incidental use” is not a free pass. Under both…
2025 Q1 Massachusetts P&C Marketplace Summary
You are being provided this 2025 Massachusetts Annual P&C Marketplace Summary covering the Massachusetts property and casualty (P&C) insurance marketplace as a benefit of your membership in the Massachusetts Association of Insurance Agents. This report provides up-to-date property and casualty (P&C) data, offering you a “real-time” view of trends in the Massachusetts insurance marketplace. Like…
Registering A Golf Cart
*This question was answered based on current rules, regulations, and statutes in effect as of July 2025. Question One of our insureds asked the question regarding registering a golf cart for street use in Marshfield. There is an LS License Plate with restrictions such as 20-25 mph, less than 3000 lbs. We’re trying to see…
Condo Association – Parking Space Rented to Others
This question was answered based on current rules, regulations, and statutes in effect as of July 2025. Question We handle the Master Policy for a condo association in Boston. They have a unit owner that is looking to rent out her parking space; this would be separate from her unit that she also rents out.…
Registration & Sales Tax
*This question was answered based on current rules, regulations, and statutes in effect as of July 2025. Question I have a client who owns a Class 1 new car dealership and wants to add six loaner vehicles, and believes that short-term rentals are tax-exempt when registering. Do you know anything about this by any chance,…
Auto Claim Payment Requiring an SSN?
This question was answered based on current rules, regulations, and statutes in effect as of May 2025. Question One of our insureds is going through their carrier as a claimant for damage to their vehicle. His daughter was hit in Colorado, and the other party (insured with the same carrier) was at fault. They offered…
Understanding Automatic Additional Insured Endorsements & Why Contract Privity Matters
June 23, 2025 Written By: Laura J. Poulin, AILP, AINS, AAM, CPIW, CRIS, MLIS, Director of Curriculum and Technical Affairs, MAIA Automatic Additional Insured endorsements are often used to streamline risk transfer in construction contracts. However, not all endorsements work the same way, and understanding who the contract is with is essential to determining whether…
Use of Other Auto Endorsement and UM/UIM Coverage
This question was answered based on current rules, regulations, and statutes in effect as of May 2025. Question Hope all is well. I was curious what the benefit of buying the Use of Other Autos endorsement and including it for Uninsured/Underinsured Motorist would be if you have a company vehicle in MA? Would it only…
2025 Massachusetts Annual P&C Marketplace Summary
You are being provided this 2025 Massachusetts Annual P&C Marketplace Summary covering the Massachusetts property and casualty (P&C) insurance marketplace as a benefit of your membership in the Massachusetts Association of Insurance Agents. What follows is a graphic and numeric presentation of the Massachusetts P&C industry data from an independent insurance agent’s perspective (independent agent).…
MAP Trailer Liability – Business-Use Consideration
This question was answered based on current rules, regulations, and statutes in effect as of May 2025. Question It’s trailer season! Wondering if we need to be concerned about GVW and/or the use of our clients’ trailers? For example, we have a client who purchased an ice cream trailer. They wish to put the trailer…
FlexCar Coverage
This question was answered based on current rules, regulations, and statutes in effect as of May 2025. Question Do you have any information on FlexCar and coverage? Answer Laura Poulin: It appears that Flexcar positions itself as a month-to-month car subscription service, not as a Transportation Network Company (TNC) like Uber or Turo. Flexcar operates…
Symbol 19, MM 20 11, and the Mobile Equipment Myth in Massachusetts
May 27, 2025 Written By: Laura J. Poulin, AILP, AINS, AAM, CPIW, CRIS, MLIS, Director of Curriculum and Technical Affairs, MAIA Massachusetts agents frequently ask whether they should be using Symbol 19, Mobile Equipment Subject to Compulsory or Financial Responsibility or Other Motor Vehicle Insurance Law Only, or the mobile equipment endorsement MM 20 11 to address…